Fitchburg cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index109131100
Goods & Services index120120100
Groceries index100107100
Health care index118120100
Housing index97165100
Transportation index98106100
Utilities index127123100
A general summary of the cost of living index in Fitchburg, MA is shown above. Compared to the state average of Massachusetts the cost of living index in Fitchburg, MA is 109, which is 17% lower than the average in Massachusetts and compared to the national average it is 9% higher than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Fitchburg, MA goods and services come in at equal to the average in Massachusetts and are 20% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Fitchburg is 17% lower than the Massachusetts average.
  • The cost of living in Fitchburg is 9% higher than the national average.
  • The cost of housing in Fitchburg is 3% lower than the national average.
  • Massachusetts general sales tax is 23% higher than the national average.
  • Massachusetts state income tax is 129% higher than the national average.

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Salary Calculator

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Health care index
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Use the salary calculator to compare your current income in Fitchburg, MA to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Fitchburg, MA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Fitchburg, MA salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Fitchburg, MA, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Fitchburg, MA has a median income of about $76,047 for people who own homes. Based on that number, a person should spend a maximum of $1,774 on expenses related to housing. Renters have a slightly different median income, which is $30,205. Based on this average, renters should spend no more than $705 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Massachusetts Sales Tax

StateGeneral Sales TaxWith Max Surtax

Massachusetts Income Tax

StateIncome Tax (Low)Income Tax (High)
The Massachusetts sales tax and Massachusetts income tax rates should definitely be considered when determining the overall cost of living in Fitchburg, MA. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Massachusetts sales tax is 6.25% and the maximum surtax is 6.25%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Massachusetts income tax rates range from 5.1% to 5.1%.

Goods & Services

ItemFitchburgNational avg.Difference
Haircut $18.47$16.0914.8%
Beauty Salon $73.51$37.3396.9%
Toothpaste $2.63$2.457.6%
Shampoo $2.00$1.00100.3%
Movie $10.40$10.281.2%
Bowling $8.05$4.9363.3%


ItemFitchburgNational avg.Difference
Ground Beef $3.24$3.8014.7%
Fried Chicken $1.48$1.406.2%
Milk $1.97$2.012.0%
Potatoes $3.01$3.010.1%
Pizza $12.08$9.8922.2%
Beer $9.52$8.906.9%

Health Care

ItemFitchburgNational avg.Difference
Optometrist $123.27$102.1620.7%
Doctor $140.02$108.3629.2%
Dentist $123.73$92.5333.7%
Ibuprofen $9.51$9.282.5%
Lipitor $340.37$425.8220.1%


ItemFitchburgNational avg.Difference
Home Price $180,200.00$184,700.002.4%
Avg. Mortgage Payment $1,401.24$1,202.4416.5%
Apartment Rent $912.00$949.003.9%


ItemFitchburgNational avg.Difference
Gasoline $2.21$2.241.7%
Tire Balancing $45.30$46.292.1%


ItemFitchburgNational avg.Difference
All Electricity$245.00$165.9647.6%
Phone $29.97$28.684.5%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Greenville, NH1,1041022%
Jaffrey, NH2,5371044%
Winchendon, MA3,4001055%
Gardner, MA20,3341077%
Baldwinville, MA2,0601077%
Fitchburg, MA40,4411099%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Warren, OH40,43378-22%
Huntsville, TX40,43291-9%
Crystal Lake, IL40,4751000%
La Puente, CA40,38412828%
Channelview, TX40,53486-14%
Fitchburg, MA40,4411099%
Source: The Fitchburg, MA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.